Is Milestone Credit Card Legitimate? | Customer Complaints
Yes, the Milestone credit card is legitimate, not a scam. It is a real credit card, issued by The Bank of Missouri and serviced by Concora Credit, intended for people with bad credit who want to build their credit history.
However, due to its very high fees and interest rates, it is often viewed as one of the less favorable options for rebuilding credit.
Why Milestone is a legitimate, real credit card
The high cost and why some feel it's a "bad deal" that causes Customer complaints
Major complaints about the Milestone credit card revolve around its high fees, low credit limits, poor customer service, and unexpected account closures. The card is legitimate and reports to the credit bureaus, but consumer reviews on sites like the Better Business Bureau (BBB) and WalletHub detail significant frustration with the card's features and servicing.The features that make Milestone a legitimate card are often overshadowed by its high costs, leading to dissatisfaction.
The bottom line
While not a scam, the Milestone card is a very expensive tool for building credit.Who it might be for: Someone who cannot get approved for a more affordable secured card and needs an unsecured card to start building or rebuilding their credit history.
Better alternatives to consider: If possible, look for a secured credit card. Secured cards require a refundable deposit and typically have lower or no annual fees and more manageable APRs. For example, some secured cards have no annual fee at all. They still report to the credit bureaus, providing a less costly way to build credit.
Milestone® Mastercard®
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard® - $1,000 Credit Limit
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
- CLICK HERE TO APPLY ONLINE
Milestone® Mastercard® 1.5% Cashback Rewards
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
- CLICK HERE TO APPLY ONLINE
FICO Credit Scores
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
What is a Credit Score?
A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.
Credit Score Facts
- Credit Scores range from 300-850, the higher the better.
- Most lenders base approval on your credit score.
- Higher Scores mean lower payments and better deals.
- Higher Scores mean Lower interest rates.
- Scores are determined by 5 main categories:
- Payment History
- Amounts Owed
- Length of Credit History
- Type of Credit Used
- New Credit
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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